29 November
2015
£m
30 November
2014
£m
Cash at bank and in hand45.876.3

£4.7 million (2014: £2.3 million) of the Group's cash and cash equivalents are held by the Group's captive insurance company to maintain its solvency requirements. A further £0.1 million (2014: £nil) is held by the trustee of the Group's employee benefit trust in relation to the Ocado Group Sharesave Scheme for employees in Poland. Therefore, these funds are restricted and are not available to circulate within the Group on demand.